diff --git a/src/modules/client/components/PlanComparisonTable.jsx b/src/modules/client/components/PlanComparisonTable.jsx
index 42e37d2..99fe211 100644
--- a/src/modules/client/components/PlanComparisonTable.jsx
+++ b/src/modules/client/components/PlanComparisonTable.jsx
@@ -23,7 +23,9 @@ export default function PlanComparisonTable({ plans, myTier, tierMap, fmtCurrenc
                         {plans.map((plan) => {
                             const { label, cls } = resolveTierBadge(plan.tier, tierMap);
                             const Icon = LucideIcons[tierMap[plan.tier]?.badge_icon] ?? Tag;
-                            const isCurrent = myTier?.tier === plan.tier && myTier?.status === "active";
+                            // A user can hold more than one active tier concurrently — check
+                            // membership in the full active set, not just the best one.
+                            const isCurrent = (myTier?.active_tiers ?? []).some((t) => t.tier === plan.tier);
                             return (
                                 <th key={plan.plan_id} className="p-4 text-center align-bottom min-w-[160px]">
                                     <div className="flex flex-col items-center gap-2">
@@ -74,7 +76,9 @@ export default function PlanComparisonTable({ plans, myTier, tierMap, fmtCurrenc
                     <tr>
                         <td className="p-4" />
                         {plans.map((plan) => {
-                            const isCurrent = myTier?.tier === plan.tier && myTier?.status === "active";
+                            // A user can hold more than one active tier concurrently — check
+                            // membership in the full active set, not just the best one.
+                            const isCurrent = (myTier?.active_tiers ?? []).some((t) => t.tier === plan.tier);
                             return (
                                 <td key={plan.plan_id} className="p-4 text-center">
                                     <Button
diff --git a/src/modules/client/layout/ClientLayout.jsx b/src/modules/client/layout/ClientLayout.jsx
index 836184b..1aed1f4 100644
--- a/src/modules/client/layout/ClientLayout.jsx
+++ b/src/modules/client/layout/ClientLayout.jsx
@@ -14,6 +14,7 @@ import {
     DialogContent,
     DialogHeader,
     DialogTitle,
+    DialogDescription,
 } from "@/components/ui/dialog"
 import {
     User, Settings, LogOut, SquareArrowOutUpRight, TableOfContents,
@@ -31,6 +32,7 @@ import { useClientTiers } from "@/contexts/ClientTiersProvider"
 import { resolveTierBadge } from "@/utils/tierBadge.util"
 import { useGroup } from "@/contexts/ClientGroupContext"
 import { useEffect, useRef, useState } from "react"
+import { useDateFormat } from "@/hooks/useDateFormat"
 import { AVATAR_COLORS } from "@/data/profile.data"
 import { Badge } from "@/components/ui/badge"
 import ClientNotificationBell from "@/components/generic/ClientNotificationBell"
@@ -131,6 +133,46 @@ function ReferDialog({ open, onOpenChange }) {
     )
 }
 
+// ─── Extra active tiers dialog (stacked-tier "+N" badge) ──────────────────────
+
+function ExtraTiersDialog({ open, onOpenChange, tiers, tierMap }) {
+    const { fmtDate } = useDateFormat()
+
+    return (
+        <Dialog open={open} onOpenChange={onOpenChange}>
+            <DialogContent className="sm:max-w-[420px]">
+                <DialogHeader>
+                    <DialogTitle>Your active subscriptions</DialogTitle>
+                    <DialogDescription>
+                        You currently hold more than one active plan at the same time.
+                    </DialogDescription>
+                </DialogHeader>
+
+                <div className="flex flex-col gap-2 py-2">
+                    {tiers.map((t) => {
+                        const badge = resolveTierBadge(t.tier, tierMap)
+                        const TierIcon = LucideIcons[tierMap[t.tier]?.badge_icon] ?? null
+                        return (
+                            <div
+                                key={t.tier_id ?? t.tier}
+                                className="flex items-center justify-between rounded-lg border bg-muted/40 px-3 py-2.5"
+                            >
+                                <div className={`inline-flex items-center gap-1 px-2.5 py-0.5 rounded-full text-xs font-semibold ${badge.cls}`}>
+                                    {TierIcon && <TierIcon className="size-3" />}
+                                    {badge.label}
+                                </div>
+                                <span className="text-xs text-muted-foreground">
+                                    {t.expires_at ? `Until ${fmtDate(t.expires_at)}` : "No expiry"}
+                                </span>
+                            </div>
+                        )
+                    })}
+                </div>
+            </DialogContent>
+        </Dialog>
+    )
+}
+
 // ─── Helpers ──────────────────────────────────────────────────────────────────
 
 function getInitials(name = "") {
@@ -148,6 +190,7 @@ function ClientNav() {
     const { myTier, tierMap, tierCategories, getMyTier, getTierCategories } = useClientTiers()
 
     const [referOpen, setReferOpen] = useState(false)
+    const [extraTiersOpen, setExtraTiersOpen] = useState(false)
     const [badgeImgUrl, setBadgeImgUrl] = useState(null)
     // Caches the resolved stream URL per asset_id — avoids re-hitting /media/token
     // for the same asset on re-renders. Token TTL is 4h so safe within a session.
@@ -181,6 +224,11 @@ function ClientNav() {
     const tierBadge = resolveTierBadge(tierSlug, tierMap)
     const TierIcon = LucideIcons[tierMap[tierSlug]?.badge_icon] ?? null
 
+    // A user can hold more than one active tier concurrently (e.g. premium +
+    // exclusive bought separately) — the pill above only ever shows the best
+    // one, so surface the rest as a "+N" trigger next to it.
+    const extraActiveTiers = (myTier?.active_tiers ?? []).filter((t) => t.tier !== tierSlug)
+
     // Derive primitive deps — effect only fires when the actual asset changes,
     // not on every tierMap/tierSlug reference churn.
     const badgeAsset = tierMap[tierSlug]?.badgeAsset ?? null
@@ -261,12 +309,23 @@ function ClientNav() {
                                     <span className="text-transparent select-none">Loading</span>
                                 </div>
                             ) : tierBadge && (
-                                <div className={`xs:hidden md:inline-flex items-center gap-1 px-2.5 py-0.5 rounded-full text-xs font-semibold ${tierBadge.cls}`}>
-                                    {badgeImgUrl
-                                        ? <img src={badgeImgUrl} className="size-3.5 rounded-full object-cover" />
-                                        : TierIcon && <TierIcon className="size-3" />
-                                    }
-                                    {tierBadge.label}
+                                <div className="xs:hidden md:inline-flex items-center gap-1.5">
+                                    <div className={`inline-flex items-center gap-1 px-2.5 py-0.5 rounded-full text-xs font-semibold ${tierBadge.cls}`}>
+                                        {badgeImgUrl
+                                            ? <img src={badgeImgUrl} className="size-3.5 rounded-full object-cover" />
+                                            : TierIcon && <TierIcon className="size-3" />
+                                        }
+                                        {tierBadge.label}
+                                    </div>
+                                    {extraActiveTiers.length > 0 && (
+                                        <button
+                                            type="button"
+                                            onClick={() => setExtraTiersOpen(true)}
+                                            className="inline-flex items-center justify-center px-1.5 py-0.5 rounded-full text-xs font-semibold bg-muted text-muted-foreground hover:bg-muted-foreground/20 transition-colors"
+                                        >
+                                            +{extraActiveTiers.length}
+                                        </button>
+                                    )}
                                 </div>
                             )}
                         </div>
@@ -344,6 +403,12 @@ function ClientNav() {
             </nav>
 
             <ReferDialog open={referOpen} onOpenChange={setReferOpen} />
+            <ExtraTiersDialog
+                open={extraTiersOpen}
+                onOpenChange={setExtraTiersOpen}
+                tiers={extraActiveTiers}
+                tierMap={tierMap}
+            />
         </>
     )
 }
diff --git a/src/modules/client/pages/Checkout.jsx b/src/modules/client/pages/Checkout.jsx
index 5224868..0e60835 100644
--- a/src/modules/client/pages/Checkout.jsx
+++ b/src/modules/client/pages/Checkout.jsx
@@ -132,7 +132,9 @@ const Checkout = () => {
   const email = user?.email ?? "";
 
   const isLoading = plansLoading || tierLoading;
-  const isCurrent = plan && myTier?.tier === plan.tier && myTier?.status === "active";
+  // A user can hold more than one active tier concurrently — check membership
+  // in the full active set, not just the best one.
+  const isCurrent = !!plan && (myTier?.active_tiers ?? []).some((t) => t.tier === plan.tier);
   const style = TIER_STYLES[plan?.tier] ?? TIER_STYLES.free;
   const Icon = style.icon;
   const effectivePrice    = plan ? Number(plan.price) : 0;
diff --git a/src/modules/client/pages/PlanList.jsx b/src/modules/client/pages/PlanList.jsx
index b4cf78f..528694a 100644
--- a/src/modules/client/pages/PlanList.jsx
+++ b/src/modules/client/pages/PlanList.jsx
@@ -89,7 +89,9 @@ const PlanCard = ({ plan, myTier, tierMap, onSelect, onView, onRefund, refundSec
     const { label: tierLabel, cls: badgeCls, rank } = resolveTierBadge(plan.tier, tierMap);
     const Icon = LucideIcons[tierMap[plan.tier]?.badge_icon] ?? Tag;
     const ring = rank > 0 ? "ring-2 ring-primary/30" : "";
-    const isCurrent = myTier?.tier === plan.tier && myTier?.status === "active";
+    // A user can hold more than one active tier concurrently (e.g. premium +
+    // exclusive) — check membership in the full active set, not just the best one.
+    const isCurrent = (myTier?.active_tiers ?? []).some((t) => t.tier === plan.tier);
     const duration = formatDuration(plan.duration_days, plan.duration_unit);
     const features = plan.features ?? [];
     const previewCourses = plan.courses?.slice(0, PREVIEW_COURSE_LIMIT) ?? [];
@@ -349,7 +351,9 @@ export default function PlanList() {
     const [view, setView] = useState("grid");
     const [refundPlan, setRefundPlan] = useState(null);  // plan being refunded
     const [refundLoading, setRefundLoading] = useState(false);
-    const [refundSecsLeft, setRefundSecsLeft] = useState(0);
+    // Keyed by tier slug — a user can hold more than one active tier concurrently,
+    // and each one has its own independent refund window based on its own starts_at.
+    const [refundSecsLeftByTier, setRefundSecsLeftByTier] = useState({});
     const refundTimerRef = useRef(null);
 
     useEffect(() => {
@@ -364,19 +368,25 @@ export default function PlanList() {
 
     useEffect(() => {
         clearInterval(refundTimerRef.current);
-        if (!myTier?.starts_at) { setRefundSecsLeft(0); return; }
+        const activeTiers = myTier?.active_tiers ?? [];
+        if (!activeTiers.length) { setRefundSecsLeftByTier({}); return; }
+
         const compute = () => {
-            const elapsed = Math.floor((Date.now() - new Date(myTier.starts_at).getTime()) / 1000);
-            return Math.max(0, REFUND_WINDOW_SECS - elapsed);
+            const map = {};
+            for (const t of activeTiers) {
+                if (!t.starts_at) continue;
+                const elapsed = Math.floor((Date.now() - new Date(t.starts_at).getTime()) / 1000);
+                map[t.tier] = Math.max(0, REFUND_WINDOW_SECS - elapsed);
+            }
+            return map;
         };
-        setRefundSecsLeft(compute());
+
+        setRefundSecsLeftByTier(compute());
         refundTimerRef.current = setInterval(() => {
-            const left = compute();
-            setRefundSecsLeft(left);
-            if (left === 0) clearInterval(refundTimerRef.current);
+            setRefundSecsLeftByTier(compute());
         }, 1000);
         return () => clearInterval(refundTimerRef.current);
-    }, [myTier?.starts_at]);
+    }, [myTier?.active_tiers]);
 
     const handleViewPlan = (plan) => navigate(`/plans/view/${plan.plan_id}`);
 
@@ -384,10 +394,19 @@ export default function PlanList() {
 
     const handleRefundClick = (plan) => setRefundPlan(plan);
 
+    // The plan being refunded may not be the user's "best" tier (myTier), since
+    // more than one can be active at once — resolve its own record for its own
+    // expires_at/refund window instead of assuming it matches myTier.
+    const refundPlanTier = (myTier?.active_tiers ?? []).find((t) => t.tier === refundPlan?.tier) ?? null;
+    const refundPlanSecsLeft = refundSecsLeftByTier[refundPlan?.tier] ?? 0;
+    const isOnlyActiveTier = (myTier?.active_tiers ?? []).length <= 1;
+
     const handleConfirmRefund = async () => {
         setRefundLoading(true);
         try {
-            const { data } = await api.post("/client/tiers/checkout/refund");
+            // plan_id disambiguates which active subscription to refund now that a
+            // user can hold more than one concurrently.
+            const { data } = await api.post("/client/tiers/checkout/refund", { plan_id: refundPlan?.plan_id });
             toast(data.message ?? "Refund processed. Your access has been revoked.");
             setRefundPlan(null);
             resetMyTier();
@@ -461,7 +480,7 @@ export default function PlanList() {
                                         onSelect={handleSelectPlan}
                                         onView={handleViewPlan}
                                         onRefund={handleRefundClick}
-                                        refundSecsLeft={refundSecsLeft}
+                                        refundSecsLeft={refundSecsLeftByTier[plan.tier] ?? 0}
                                     />
                                 ))}
                             </div>
@@ -490,7 +509,7 @@ export default function PlanList() {
                         <Button
                             variant="destructive"
                             onClick={handleConfirmRefund}
-                            disabled={refundLoading || refundSecsLeft === 0}
+                            disabled={refundLoading || refundPlanSecsLeft === 0}
                         >
                             <RotateCcw className="size-4" />
                             {refundLoading ? "Processing..." : "Confirm Refund"}
@@ -510,32 +529,34 @@ export default function PlanList() {
                                 {refundPlan ? fmtCurrency(refundPlan.price, refundPlan.currency) : "—"}
                             </span>
                         </div>
-                        {myTier?.expires_at && (
+                        {refundPlanTier?.expires_at && (
                             <div className="flex justify-between">
                                 <span className="text-muted-foreground">Access until</span>
                                 <span className="font-medium">
-                                    {fmtDate(myTier.expires_at)}
+                                    {fmtDate(refundPlanTier.expires_at)}
                                 </span>
                             </div>
                         )}
                         <div className="flex justify-between items-center pt-1 border-t">
                             <span className="text-muted-foreground">Refund window</span>
-                            {refundSecsLeft > 0 ? (
+                            {refundPlanSecsLeft > 0 ? (
                                 <span className="font-semibold tabular-nums text-destructive">
-                                    {formatCountdown(refundSecsLeft)} remaining
+                                    {formatCountdown(refundPlanSecsLeft)} remaining
                                 </span>
                             ) : (
                                 <span className="font-semibold text-muted-foreground">Expired</span>
                             )}
                         </div>
                     </div>
-                    {refundSecsLeft > 0 ? (
+                    {refundPlanSecsLeft > 0 ? (
                         <p className="text-sm text-muted-foreground">
                             Your refund will be processed through PayPal.{" "}
                             <span className="font-medium text-foreground">
                                 Access will be revoked immediately
                             </span>{" "}
-                            and your account will be downgraded to Free.
+                            {isOnlyActiveTier
+                                ? "and your account will be downgraded to Free."
+                                : "Your other active plan(s) will be unaffected."}
                         </p>
                     ) : (
                         <p className="text-sm text-destructive">
diff --git a/src/modules/client/pages/ViewPlan.jsx b/src/modules/client/pages/ViewPlan.jsx
index 8e787d1..0c2a54a 100644
--- a/src/modules/client/pages/ViewPlan.jsx
+++ b/src/modules/client/pages/ViewPlan.jsx
@@ -80,7 +80,9 @@ const ViewPlan = () => {
     const accentBorder = colors.panel.border;
     const features = plan.features ?? [];
     const duration = formatDuration(plan.duration_days, plan.duration_unit);
-    const isCurrent = myTier?.tier === plan.tier && myTier?.status === "active";
+    // A user can hold more than one active tier concurrently — check membership
+    // in the full active set, not just the best one.
+    const isCurrent = (myTier?.active_tiers ?? []).some((t) => t.tier === plan.tier);
 
     const totalSeconds  = (plan.courses ?? []).reduce((sum, c) => sum + (c.duration_seconds ?? 0), 0);
     const totalDuration = formatCourseDuration(totalSeconds);